Hiring a public adjuster in Florida

If you're considering hiring a public adjuster in Florida, it's very important that you choose a public adjuster that is licensed by the state and can prove they have experience dealing with the type of claim that you need help with. For example, if you're filing a hurricane damage claim, you'll want to make sure that the public adjuster you're considering hiring has experience dealing with hurricane damage claims.

Another important factor to consider when hiring a public adjuster in Florida is whether or not they have a good reputation. Make sure to take time researching reviews before moving forward.

Public adjusters in Florida can only work on the behalf of policyholders, meaning that they cannot work for any insurance companies, and must adhere to strict ethical standards set forth by the state of Florida, else they could risk losing their state licensing.

Why Hire a public adjuster in the state of Florida?

While you are not required to hire a public adjuster in Florida, many people choose to do so. A public adjuster will review your policy with you so that you understand what coverage you have and what should be included in your claim. The public adjuster will then work with the insurance company on your behalf to try and negotiate a fair settlement.

How much does it cost to hire a public adjuster in Florida?

Fees for public adjusters vary, but typically they will charge a percentage of the total settlement that the insurance company pays out. For example, if the public adjuster is able to get you a $30,000 settlement from the insurance company, they may charge you a fee of 10%, or $3,000.


In the state of Florida the maximum percentage that a public adjuster can charge is 20%. In the case that the claim falls under an event that is declared an emergency by the Governor's office, that fee is cut in half to 10% as long as it was made within the first year of the initial loss.

Source: myfloridacfo.com

Before hiring a public adjuster, be sure to ask about their fee structure and make sure that you understand it. Public Adjuster’s fees are deducted out of your claim payment when it’s paid by the insurance company.

What other options do I have in Florida, outside of a public adjuster?

  • You can work with an insurance company's adjuster. However, it's important to keep in mind that insurance company adjusters work for the insurance company, not for you.
  • Handle the claims process on your own, but this can be very difficult and time-consuming, and you may not end up with a fair settlement without professional help.
  • The third option you have is hiring an attorney who specializes in insurance claims.

Maximize your claim settlement!